Owners don't have to have it. Tenants' legal obligations differ depending on the region. Flemish landlord and tenant law will be changing on 1 January next year. From that date, tenants will be under a legal duty to take out property insurance. Wallonia made tenant's insurance compulsory on 1 September of this year. Brussels has not yet officially gone that far.
But you should never be without it, because it's not just there for you in case of fire.
It's a vital overall safeguard for the building you live in,
and for the home you make in it.